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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $32,120 | $29,051+10.6% | $52,425-38.7% | $67,986-52.8% |
| Participation rate | 23.9% | 30.4%-6.5pp | 55.6%-31.7pp | 57.2%-33.3pp |
| Annual return | 18.53% | 24.00%-5.5pp | 302.12%-283.6pp | 31.67%-13.1pp |
| Employer contribution / active EE | $582 | $412+41.2% | $914-36.4% | $2,019-71.2% |
| Participant deferral / active EE | $936 | $873+7.2% | $1,790-47.7% | $3,358-72.1% |
| Admin fee / account holder | $3,854 | $2,113+82.4% | $2,495+54.5% | $3,203+20.3% |